First Commerce Bancorp Reports Third Quarter Earnings.

ENCINO, Calif. -- First Commerce Bancorp (OTCBB:FCCC) today reported consolidated net income of $2,612,000 for the nine months ended September 30, 2007 compared to $2,322,000 for the same period of 2006, an increase of 13%. Net income for the quarter ended September 30, 2007 was $865,000 compared to net income of $923,000 for the quarter ended September 30, 2006, a decrease of 6%.

Assets at September 30, 2007 were $289,885,000, up $24,731,000 or 9% from a year ago. Net loans and total deposits at September 30, 2007 were $247,659,000 and $253,560,000 up respectively, 25% and 9% as compared to September 30, 2006.

According to Jack Feldman, President and Chief Executive Officer, the recent correction in the residential real estate market and turmoil resulting from sub-prime lending has had no effect on First Commerce Bank. Years ago, the Bank made a strategic decision not to enter that market, but rather concentrate on business banking.

First Commerce Bancorp is the holding company for First Commerce Bank, an independent community business bank, headquartered in Encino, CA with regional offices in Los Angeles and Glendale, CA. For the fifth consecutive year, First Commerce Bank was designated as a Super Premier Performing Bank by Findley Reports, Inc., an independent performance benchmarking service for California banks. Also, Bauer Financial, a national bank rating service has again awarded the Bank their highest designation, 5 STAR, based on the Bank's capital strength and consistent earnings. The Bancorp's stock trades on the Over The Counter Bulletin Board (OTCBB) under the symbol FCCC.

Statements concerning future performance, developments or events, expectations for growth and income forecasts, and any other guidance on future periods constitute forward-looking statements that are subject to a number of risks and uncertainties. Actual results may differ materially from stated expectations. Specific factors include, but are not limited to, loan production, balance sheet management, expanded net interest margin, the ability to control costs and expenses, interest rate changes, financial policies of the United States government, and general economic conditions. The Company disclaims any obligation to update any such factors or to publicly announce the results of any revisions to any forward-looking statements contained in this release to reflect future events or developments.